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Find USDA Eligible Properties in Oneida County
Looking to buy in Oneida County, Idaho?
Select from the list of cities below or use the search feature to find active property listings in a city where you would like to live.
Start your search for USDA loan eligible properties in the cities of Oneida County, ID 
* cities most likely to have USDA loan eligible properties for sale.
Black Pine • Buist • Cedarhill • Cherry Creek • Dairy Creek • Daniels • Gwenford • Holbrook • Holbrook Summit • Ireland Springs • Juniper• • •
| What is a USDA Loan? |
| The USDA 502 Guaranteed Loan Program is designed to help homebuyers in eligible rural areas secure affordable housing with no down payment required. Backed by the U.S. Department of Agriculture, this loan offers competitive interest rates, flexible credit requirements, and lower mortgage insurance costs compared to conventional loans. Borrowers work with approved lenders, and the USDA provides a guarantee, reducing the lender’s risk and making homeownership more accessible. |
| Take the First Step Toward 0% Down Financing |
• *Malad City • Pleasantview • Ridgedale • Roy Summit • Saint Johns • Samaria • Stone • Woodruff
There are 67 USDA backed residential loans in Oneida county with an average loan balance of $106,659. Over 76% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $106,575. On average the rural home size purchased with this loan was approximately 1,324 SqFt. Oneida county applies the standard USDA income limits to determine loan eligibility. For a household of upto 4 people the income limit is $90,300. For a household of between 5 and 8 people the income limit is increased to $119,200.
The size of Oneida County is roughly 3,112 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Oneida County is 9. Look below for the interactive county level map illustration below for more details.
A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA properties in Oneida County.
View the detailed USDA boundaries and read about general conditions of
Oneida County, Idaho
.Oneida County, located in the southeastern part of Idaho, was created on January 22, 1864, by the 2nd Idaho Territorial Legislature. The county was named after Oneida Lake, New York, which was the native settlement of many early Idaho pioneers. Oneida County initially covered a large area, including present-day Power, Franklin, Bannock, Caribou, and Bear Lake counties. However, over time, the county's boundaries were reshaped and reduced to its current 1,202 square miles.
The area was primarily inhabited by Native American tribes, specifically the Bannock and Shoshone. European settlers began to arrive in the mid-19th century, and the completion of the Utah Northern Railroad in 1874 further accelerated the region's growth. The railroad enabled agricultural development and contributed to the rapid expansion of the area's economy.
Malad City, the county seat, was founded in 1864 by Welsh settlers and became a prominent stage station due to its location along the Lander Cutoff of the Oregon Trail. The city was named after the nearby Malad River, which means "sickly" or "badly" in French, as early French trappers believed the river had a negative impact on their health. The primary industries in Oneida County include agriculture, livestock production, and historically, mining.
A fun fact about Oneida County is that it is home to the Devil's Washbowl, a unique geological feature located in the Deep Creek Mountains near Malad City, which is a large basin-shaped depression with steep sides that were likely formed by glacial activity during the last ice age. This natural wonder attracts hikers, rock climbers, and outdoor enthusiasts who want to explore its rugged beauty.
Featured Cities of Idaho
browse list of realtors working in Oneida CountyOneida county has 1 usdaproperties.com realtor ready to help with your search!
| March 2025 Featured Agent | |
|---|---|
| Orville Brown | from Keller Williams Realty East Idaho |
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